MakeMyTrip ICICI vs Standard Chartered EaseMyTrip: Which Travel Card?

The Standard Chartered EaseMyTrip card is the better deal for domestic travellers who book on EaseMyTrip, because its instant discounts of 10% on flights and 20% on hotels outweigh MakeMyTrip myCash in our profiles, as long as the fares match. The MakeMyTrip ICICI Bank card wins for people who spend a lot abroad: it charges 0.99% on foreign currency spends up to 9 November 2026 and no mark-up at all from 10 November 2026, though from that date foreign spends outside MakeMyTrip earn nothing and fresh myCash lapses after 24 months.

By Rashmi Mandana · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

In short

Standard Chartered EaseMyTrip gives more to domestic travellers who book on EaseMyTrip and spend modestly, while MakeMyTrip ICICI Bank suits people who spend abroad, want lounge visits and UPI, or book many hotels on MakeMyTrip.

Best for

EaseMyTrip: domestic flyers who book on EaseMyTrip a few times a year
EaseMyTrip: people who book flights and hotels directly, at 10 points per ₹100
MakeMyTrip ICICI: frequent travellers abroad, with nil forex mark-up from 10 November 2026

Skip it if

You never use either portal and want rewards that work anywhere
You want international lounge access beyond 1 visit a year

Highlights

MakeMyTrip ICICI: ₹999 + GST, waived on ₹3 lakh a year
EaseMyTrip: ₹350 + GST, waived on ₹50,000 a year
MakeMyTrip ICICI forex: 0.99% until 9 November 2026, nil from 10 November 2026
EaseMyTrip: 10% off flights and 20% off hotels on EaseMyTrip, up to set limits
EaseMyTrip forex mark-up: 3.5%

Side by side

Every term from the banks' own pages, last verified 5 November 2026.
Term	MakeMyTrip ICICI Bank Credit Card	Standard Chartered EaseMyTrip Credit Card
Bank	ICICI Bank	Standard Chartered
Joining fee	₹999 + GST	₹350 + GST
Annual fee and waiver	₹999 + GST. Annual fee waived from the 2nd anniversary year if spends are ₹3,00,000 or more in the previous anniversary year (annual benefits then not given)	₹350 + GST. Renewal fee waived on annual spends of Rs 50,000 or more in the previous year (reversed within 60 days of levy)
Base reward	1% myCash on domestic spends outside MakeMyTrip (excluding rent and EMI) (about 1% value)	2 reward points for every Rs 100 spent on other retail spends... (about 0.5% value)
Best category	Hotel bookings on MakeMyTrip: about 6% value	Airline tickets and hotel bookings on standalone airline or hotel websites, apps or outlets: about 2.5% value
Lounges	Domestic: 2 domestic airport lounge accesses per quarter (primary) on ₹75,000 spend in the previous quarter International: 1 complimentary international lounge access per calendar year (Priority Pass, primary)	Domestic: 2 complimentary domestic lounge visits per calendar year (Visa programme) International: None (international lounge access discontinued from 15 October 2024)
Forex markup	0% (no markup)	3.5% of the amount
Network	Mastercard, RuPay	Visa
Published minimum income	₹20,000 a month	Stable monthly income (no figure published)
Status	Taking applications	Taking applications
Add-on card fee	₹199 + GST	₹350 + GST
Earned as	myCash (MakeMyTrip wallet); 1 myCash = ₹1	Reward points
Higher-reward categories	Hotel bookings on MakeMyTrip: 6% myCash, about 6% value (Unlimited/ no cap) Flight, holiday, cab and bus bookings on MakeMyTrip: 3% myCash, about 3% value (Unlimited/ no cap) Train bookings on MakeMyTrip: 25 myCash on every train booking (No cap published) Other MakeMyTrip spends: 1% myCash (T&C row marked w.e.f Nov 10, 2026), about 1% value (No cap published)	Airline tickets and hotel bookings on standalone airline or hotel websites, apps or outlets: 10 reward points per Rs 100, about 2.5% value (No cap on reward points earned per month)
No rewards on	International spends outside MakeMyTrip: no rewards (w.e.f. Nov 10, 2026) Rent payments Cash advances Late payment and other fees Joining and annual fees EMI, balance transfer and personal loan on card	returned, disputed or fraudulent transactions finance charges and fees cash withdrawals charged-back transactions
Value of a point	myCash on MakeMyTrip bookings (flights, hotels, holidays, trains, buses, cabs, visas); up to 100% of booking value: 1 myCash = ₹1; cannot be encashed, transferred or used for gift cards or forex	Rewards 360 catalogue: 1 Reward Point = INR 0.25 (value chart); '2 reward point = ₹0.50'
Redemption fee	None stated	Rs 99 handling and courier charge per redemption
Expiry	myCash earned before Nov 10, 2026 never expires; myCash earned from Nov 10, 2026 is valid 24 months	Reward points expire 2 years from the date earned
Welcome benefits	₹1,000 MakeMyTrip voucher (valid 12 months) within 10 business days of joining-fee payment Complimentary MMTBLACK Gold membership on card activation (except the MMTBLACK myCash benefit)	None published
Milestone benefits	None published	None published
Fuel surcharge waiver	Not stated for this card; MITC: fuel transactions earn reward points on this card; 1% fee on fuel transactions above ₹10,000	No waiver listed; petrol surcharge Rs 10 or 1%
Insurance cover	None stated on card page	Not listed
Interest on unpaid balances	Up to 3.75% a month (45% a year)	Up to 3.75% a month (45% a year)
Late payment fee	₹0 if outstanding below ₹100; ₹100 (₹100 to ₹500); ₹500 (₹501 to ₹1,000); ₹600 (₹1,001 to ₹5,000); ₹750 (₹5,001 to ₹10,000); ₹900 (₹10,001 to ₹25,000); ₹1,100 (₹25,001 to ₹50,000); ₹1,300 (above ₹50,000). Outstanding = Total Amount Due minus payments before due date; levied if MAD unpaid after due date plus 3 days.	Rs 0 if statement balance up to Rs 100; Rs 100 for Rs 101 to Rs 500; Rs 500 for Rs 501 to Rs 5,000; Rs 700 for Rs 5,001 to Rs 10,000; Rs 1,200 above Rs 10,000 (w.e.f. 1 May 2024); plus Rs 100 if the Minimum Amount Due is missed for 2 or more consecutive months
Cash withdrawal	2.5% of amount, minimum ₹500, plus interest at 3.75% per month from the transaction date	ATM withdrawals: 3% of the amount, minimum Rs 300; interest 3.75% a month from the date of transaction
Age (salaried)	Indian citizen over 21	18 to 65 years
Income (salaried)	Monthly income of ₹20,000	Stable monthly income (no figure published)
Income (self-employed)	Annual income of at least ₹2,40,000	Stable monthly income (no figure published)
Documents	Proof of identity Proof of address Income proof	Identity proof (passport, Voter ID, government ID etc.) PAN card Address proof (Aadhaar, passport, driving licence, Voter ID, NREGA job card, NPR letter) 1 recent passport-size photograph Salaried: latest one month salary slip Self-employed businessmen: latest IT returns with computation of income or certified financials, business continuity proof Self-employed professionals: latest IT returns, business continuity proof
Last verified	5 November 2026	5 November 2026

Two travel co-brands tied to two rival portals

Each card belong to an online travel portal and works best inside it. The MakeMyTrip ICICI Bank Credit Card pays myCash, worth ₹1 each on MakeMyTrip: 6% on hotels booked there, 3% on flights, holidays, cabs and buses, 25 myCash per train booking and 1% on spends in India outside MakeMyTrip. It costs ₹999 plus GST and comes as a Mastercard plus RuPay pair. Standard Chartered's EaseMyTrip Credit Card, at ₹350 plus GST, works the other way round: instant discounts on EaseMyTrip, but its best points rate, 10 per ₹100, is for bookings made direct with airlines and hotels.

The verdict in two sentences. For someone flying domestic a few times a year and booking on EaseMyTrip, the Standard Chartered card returned two to three times more in our profiles, because its discounts are big and its fee is small. If you spend a lot abroad or want lounges and UPI, the MakeMyTrip card is the one, and the 10 November 2026 changes make that even more clear.

What changes on the MakeMyTrip ICICI card on 10 November 2026

Until 9 November 2026: spends in foreign currency carry a 0.99% mark-up, rupee payments to merchants abroad a 0.99% conversion fee, and every myCash already in your wallet stays valid with no end date.
From 10 November 2026: both charges drop to zero. The same day, foreign spends made outside MakeMyTrip stop earning myCash, and fresh myCash carries a 24-month life.

In short the ICICI card turn into a free-to-use card abroad that pays nothing there. Its lounge rule tightened before that: from 1 July 2026, the 2 domestic visits a quarter depend on ₹75,000 spent in the quarter before. On the Standard Chartered side, international lounge access ended on 15 October 2024 and domestic visits fell to 2 a year.

Fees: ₹1,178.82 against ₹413, and the forex gap

MakeMyTrip ICICI costs ₹999 to join and ₹999 a year, plus GST, so ₹1,178.82 (₹999 plus ₹179.82). From the second anniversary year the fee is waived if you spent ₹3,00,000 in the year before, ₹25,000 a month (₹3,00,000 divided by 12), but a waived year come without the annual benefits. The joining fee brings a ₹1,000 MakeMyTrip voucher valid 12 months, and each paid renewal a ₹1,000 MakeMyTrip hotel voucher valid 3 months.

Standard Chartered EaseMyTrip costs ₹350 plus GST, so ₹413 (₹350 plus ₹63), in year one and each year after, and the renewal is reversed within 60 days if you spent ₹50,000 the year before, about ₹4,167 a month (₹50,000 divided by 12). Supplementary cards is charged ₹350 too, also waived on ₹50,000. On ICICI an add-on costs ₹199.

Charge	MakeMyTrip ICICI Bank	Standard Chartered EaseMyTrip
Joining and annual fee	₹999 + GST each	₹350 + GST each
Fee waiver	₹3,00,000 in the previous year, from year 2	₹50,000 in the previous year
Forex mark-up	0.99% to 9 November 2026, zero from 10 November 2026	3.5%
Interest	3.75% a month (45% a year)	3.75% a month (45% a year)
Late fee on a ₹20,000 bill	₹900	₹1,200
Cash withdrawal	2.5%, minimum ₹500	3%, minimum ₹300
Redemption fee	₹99 + GST handling fee	₹99 handling and courier charge
Cash payment at a branch	₹150	₹299

The forex row is the one what matters for travellers. On ₹1 lakh spent abroad the Standard Chartered card adds ₹3,500 plus ₹630 GST, so ₹4,130. The ICICI card adds ₹990 plus ₹178.20 GST, ₹1,168.20, if you spend up to 9 November 2026, and nothing from 10 November 2026.

Rest of the things is mostly a wash, with a few edges. Both charge 3.75% a month interest and 1% on rent. ICICI's late fee is lower on mid-size bills, Standard Chartered adds ₹100 when the minimum is missed 2 months running, and ICICI has its usual extra fees: 1% on fuel transactions above ₹10,000, on utilities above ₹50,000 and on wallet loads of ₹5,000 or more. A ICICI replacement card costs ₹200, rising to ₹300 from 11 December 2026.

Rewards: myCash on one portal, discounts on the other

MakeMyTrip ICICI Bank

6% myCash on MakeMyTrip hotels and 3% on flights, holidays, cabs and buses there, with no cap.
25 myCash per train booking, and 1% on other MakeMyTrip spends.
1% on spends in India outside MakeMyTrip, rent and EMI excluded; insurance earn 1% up to 1,000 myCash a year.
From 10 November 2026, nothing on spends abroad made outside MakeMyTrip.

1 myCash is worth ₹1 on MakeMyTrip flights, hotels, holidays, trains, buses, cabs and visas, up to the full booking, but it can't be cashed out, moved, or spent on gift cards or forex. Anything credited up to 9 November 2026 have no expiry, while each myCash credited from 10 November 2026 must be used within 24 months.

Standard Chartered EaseMyTrip

10 points per ₹100, worth 2.5% at ₹0.25 a point, on airline tickets and hotels booked direct on the airline or hotel's own site, app or counter, with no monthly cap. Aggregators, EaseMyTrip included, doesn't qualify.
2 points per ₹100, worth 0.5%, on everything else, EaseMyTrip bookings too.
On EaseMyTrip with the card's code: 10% off domestic flights up to ₹1,000 and international flights up to ₹5,000, 20% off domestic hotels up to ₹5,000 and international hotels up to ₹10,000, and ₹125 off bus tickets of ₹500 or more, once a month per category.

Points are redeemed on the Rewards 360 catalogue at ₹0.25 each, cost ₹99 a redemption and expire after 2 years. The discount is a straight price cut, so it is real money and not some portal wallet only.

Three yearly profiles through both cards

Each card books on its own portal, and we assume the same fare on both, which you must check by yourself only. Flights and hotels are in different months, so every booking gets the EaseMyTrip discount. MakeMyTrip uses the rules from 10 November 2026; fees are for a renewal year with GST.

Per year	A: two domestic trips	B: regular domestic traveller	C: big spends abroad
Everyday spends in India	₹1,80,000	₹3,60,000	₹4,80,000
Flights on the portal	2 of ₹10,000	6 of ₹12,000	2 international of ₹60,000
Hotels on the portal	2 of ₹8,000	4 of ₹15,000	None
Card spends abroad	None	None	₹3,00,000
MakeMyTrip ICICI, net	₹2,181.18	₹9,360	₹8,400
EaseMyTrip discounts	₹5,200	₹18,000	₹10,000
EaseMyTrip points value	₹1,054	₹2,370	₹4,450
EaseMyTrip forex cost	None	None	₹12,390
EaseMyTrip, net	₹6,254	₹20,370	₹2,060

A. MakeMyTrip ICICI: 600 myCash on ₹20,000 of flights at 3%, 960 on ₹16,000 of hotels at 6% and 1,800 on everyday spends, so 3,360. Yearly spend of ₹2,16,000 (₹1,80,000 plus ₹20,000 plus ₹16,000) is under ₹3 lakh, so after the ₹1,178.82 fee it is ₹2,181.18, or ₹3,181.18 if you use the ₹1,000 renewal voucher in its 3 months. EaseMyTrip: ₹1,000 off each flight (10% of ₹10,000, at the cap) and ₹1,600 off each hotel (20% of ₹8,000), so ₹5,200. Points on the ₹30,800 actually paid (₹18,000, which is 2 times ₹9,000, plus ₹12,800, 2 times ₹6,400) are 616, plus 3,600 on everyday spends, 4,216 in all, worth ₹1,054. Total come to ₹6,254, fee waived.

B. MakeMyTrip ICICI: 2,160 on ₹72,000 of flights, 3,600 on ₹60,000 of hotels and 3,600 on everyday spends, 9,360 myCash, fee waived since ₹4,92,000 (₹3,60,000 plus ₹72,000 plus ₹60,000) is above ₹3 lakh. EaseMyTrip: 10% of ₹12,000 would be ₹1,200 but cap is ₹1,000, so ₹6,000 on six flights, and ₹3,000 off each hotel (20% of ₹15,000), ₹12,000, so ₹18,000. Points on ₹1,14,000 paid (₹66,000 for 6 flights at ₹11,000 plus ₹48,000 for 4 hotels at ₹12,000) and ₹3,60,000 of everyday spends are 2,280 plus 7,200, so 9,480, worth ₹2,370. Total ₹20,370.

C. MakeMyTrip ICICI: 3,600 on the flights and 4,800 on everyday spends, nothing on the ₹3,00,000 abroad, but no mark-up either, so 8,400 myCash with the fee waived. Up to 9 November 2026 that ₹3,00,000 would have cost ₹2,970 (0.99% of it) plus ₹534.60 GST. EaseMyTrip: ₹5,000 off each flight at the cap, ₹10,000; points on ₹1,10,000 paid (2 times ₹55,000), ₹4,80,000 at home and ₹3,00,000 abroad are 2,200 plus 9,600 plus 6,000, so 17,800, worth ₹4,450; forex is ₹10,500 (3.5% of ₹3,00,000) plus ₹1,890 GST, ₹12,390. Net ₹2,060 (₹10,000 plus ₹4,450 minus ₹12,390), a lot less than the ICICI card give.

Eligibility: a published floor against a city rule

Rule	MakeMyTrip ICICI Bank	Standard Chartered EaseMyTrip
Age	Indian citizen over 21	18 to 65 years
Income	₹20,000 a month salaried; ₹2,40,000 a year self-employed	Stable income; no figure published
Where you live	Not restricted on the card page	Standard Chartered's card sourcing cities only
Apply	MakeMyTrip app or website; DigiLocker accepted	Through Standard Chartered

MakeMyTrip ICICI publishes a modest floor: ₹20,000 a month if salaried and ₹2,40,000 a year if self-employed, for Indian citizens over 21. You apply on the MakeMyTrip app or site, and documents can come from DigiLocker. Identity, address and income proof is the usual three.

Standard Chartered take applicants from 18 to 65 but publishes no income figure, only "stable monthly income", and you must live in one of the cities where it sources cards. It asks for identity proof, PAN, address proof, a photograph and income papers: the latest salary slip if salaried, or IT returns and proof of business continuity if self-employed. The bank takes applications online with video KYC for some of its cards and through branches or the contact centre for others, so check the route for this one.

For both, the RBI's 2025 card Directions say the decision is the issuer's alone, made on your own financial means and existing credit, and a no must come with reasons in writing. Approval is the bank's decision. If you have no credit record yet, read our guide to getting a card without credit history first; ICICI's helplines are on our ICICI Bank customer care page.

Pros and cons

Pros

MakeMyTrip ICICI: 6% myCash on MakeMyTrip hotels and 3% on flights, with no cap
MakeMyTrip ICICI: forex mark-up nil from 10 November 2026, 0.99% until then
MakeMyTrip ICICI: RuPay twin card for UPI, and 2 domestic lounge visits a quarter
EaseMyTrip: ₹350 + GST fee, waived on ₹50,000 a year
EaseMyTrip: 10% off flights and 20% off hotels on EaseMyTrip, plus 2.5% on direct airline and hotel bookings

Cons

MakeMyTrip ICICI: from 10 November 2026 spends abroad outside MakeMyTrip earn no myCash
MakeMyTrip ICICI: myCash earned from 10 November 2026 expires after 24 months and works only on MakeMyTrip
EaseMyTrip: 3.5% forex mark-up and no international lounge access since 15 October 2024
EaseMyTrip: only 2 points per ₹100 on EaseMyTrip bookings, and discounts limited to once a month per category

Frequently asked questions

Which is better, MakeMyTrip ICICI or Standard Chartered EaseMyTrip?

For domestic travellers who book on EaseMyTrip, Standard Chartered EaseMyTrip usually gives more: in our profiles its 10% flight and 20% hotel discounts returned ₹6,254 and ₹20,370 a year against ₹2,181.18 and ₹9,360 on MakeMyTrip ICICI, assuming equal fares. For heavy spends abroad, MakeMyTrip ICICI wins because its forex mark-up is nil from 10 November 2026.

What changes on the MakeMyTrip ICICI card on 10 November 2026?

Up to 9 November 2026 foreign currency spends carry a 0.99% mark-up and rupee payments abroad a 0.99% conversion fee. From 10 November 2026 both are zero, but foreign spends made outside MakeMyTrip stop earning myCash, and each myCash credited from that date lapses after 24 months. Older myCash has no expiry date.

What are the fees on these two travel cards?

MakeMyTrip ICICI charges ₹999 plus GST to join and every year, waived from the second anniversary year on ₹3,00,000 of spends in the previous year. Standard Chartered EaseMyTrip charges ₹350 plus GST each year, with the renewal reversed on ₹50,000 of spends the year before. With 18% GST that is ₹1,178.82 against ₹413.

Which card gives airport lounge access?

MakeMyTrip ICICI allows its primary cardholder 2 domestic lounge visits each quarter, provided ₹75,000 went on the card in the quarter before, and one Priority Pass visit abroad per calendar year. Standard Chartered EaseMyTrip gives 2 domestic visits a calendar year and has had no international lounge access since 15 October 2024.

Who can apply for MakeMyTrip ICICI and SC EaseMyTrip?

MakeMyTrip ICICI asks for Indian citizens over 21 with ₹20,000 a month if salaried or ₹2,40,000 a year if self-employed, and applications go through the MakeMyTrip app or site. Standard Chartered EaseMyTrip takes applicants aged 18 to 65 living in its card sourcing cities and publishes no income figure. Either bank may still say no.

Do I earn points on EaseMyTrip bookings with the Standard Chartered card?

Only 2 points per ₹100, worth 0.5%, because EaseMyTrip is an aggregator. The card's 10 points per ₹100, worth 2.5%, are for airline tickets and hotels booked direct with the airline or hotel. On EaseMyTrip the value comes from instant price cuts instead: 10% off flights and 20% off hotel stays, each with a rupee limit, usable once a month per category.

Sources

ICICI Bank Limited: Most Important Terms and Conditions (MITC), credit cards; Terms and Conditions for MakeMyTrip ICICI Bank Credit Card; MakeMyTrip ICICI Bank Credit Card
Standard Chartered Bank (India): Credit Card Fees & Charges - Tariffs and Charges; Standard Chartered EaseMyTrip Credit Card Terms and Conditions; Important Information Document - EaseMyTrip Credit Card (Card_RTOB_Ver_March2026); Standard Chartered EaseMyTrip Credit Card

Last verified: 5 November 2026

Written by Rashmi Mandana, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.